In the complex world of car repair, it’s not just about mastering engines and electronics, but also understanding the legal landscape. Questions about liability and legal protection frequently arise, especially regarding the possibility of combining both into a single insurance policy. Is it worthwhile? What are the benefits? And what should auto professionals pay particular attention to?
Two Sides of the Same Coin: Why Liability and Legal Protection Belong Together
Imagine: A customer brings their vehicle in for repair, but due to an unfortunate incident, damage occurs to the car. This is a classic case for liability insurance, which covers damages you cause to others. But what if the customer disputes the damage and you have to sue to enforce your rights? This is where legal protection insurance comes into play. It covers lawyer and court fees and helps you assert your legitimate claims.
“Especially in the field of car repair, where high sums and complex issues are often involved, strong legal protection is essential,” explains Dr. Markus Wagner, lawyer and author of the book “Legally Compliant in the Workshop”. “Disputes can quickly arise, whether with customers, suppliers, or even the employers’ liability insurance association.”
Benefits of Combined Liability and Legal Protection Insurance
Combining liability and legal protection into one policy offers several advantages:
- Lower Price: It’s often cheaper to purchase both insurances together than to insure each separately.
- Less Administrative Effort: You have only one contact person and don’t have to deal with two different insurers.
- Comprehensive Protection: You’re covered for both self-inflicted damage and legal disputes.
What Auto Professionals Should Look for in Insurance
When choosing the right insurance, consider these important points:
- Coverage Amount: Ensure a sufficiently high coverage amount that’s adequate even in the event of major damage.
- Benefits: Carefully review which services are specifically covered, e.g., whether disputes with customers regarding warranty claims are insured.
- Deductible: Consider whether you’re willing to accept a deductible in the event of damage to lower your insurance premium.
Conclusion: Doubly Protected for Emergencies
Combining liability and legal protection insurance into one policy is a sensible investment for automotive businesses and professionals, potentially saving significant trouble and costs in case of emergency. Compare offers from different insurers and choose the policy that best suits your individual needs. This allows you to concentrate on your work and provide optimal customer service.
More Interesting Topics Related to Car Repair and Law:
- Workshop Liability: What’s Insured, What’s Not?
- Warranty for Car Repairs: Rights and Obligations
- Accident with a Company Car: Who is Liable?
Do you have questions about liability and legal protection or need assistance choosing the right insurance? Contact us! Our experts are happy to help.
